GROUPE L.M. PRO-SANTE : revenue, balance sheet and financial ratios

GROUPE L.M. PRO-SANTE is a French company founded 21 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MONS-EN-BARŒUL (59370), this company of category ETI shows in 2024 a revenue of 418 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - GROUPE L.M. PRO-SANTE (SIREN 481806966)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Revenue 417 845 € 413 306 € 425 873 € 378 337 € 367 520 € 604 912 € N/C N/C 500 414 € 500 848 € 489 164 € 552 080 €
Net income 2 522 € 24 372 € 45 558 € -649 € 19 294 € 48 739 € -4 214 € 32 379 € 44 793 € 42 815 € 19 524 € -49 105 €
EBITDA -700 € 23 265 € 58 615 € -14 633 € 14 642 € 56 724 € N/C N/C 53 110 € 46 167 € 38 459 € 4 796 €
Net margin 0.6% 5.9% 10.7% -0.2% 5.2% 8.1% N/C N/C 9.0% 8.5% 4.0% -8.9%

Revenue and income statement

In 2024, GROUPE L.M. PRO-SANTE achieves revenue of 418 k€. Activity remains stable over the period (CAGR: -2.5%). Vs 2023: +1%. After deducting consumption (12 k€), gross margin stands at 406 k€, i.e. a rate of 97%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -700 €, representing -0.2% of revenue. Warning negative scissor effect: despite revenue change (+1%), EBITDA varies by -103%, reducing margin by 5.8 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3 k€, i.e. 0.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

417 845 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

405 849 €

EBITDA (2024) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-700 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

4 442 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

2 522 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-0.2%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 46%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 51%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

46.474%

Financial autonomy (2024) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

51.285%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

-0.627%

Repayment capacity (2024) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

-28.928

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

16.0%

Solvency indicators evolution
GROUPE L.M. PRO-SANTE

Sector positioning

Debt ratio
46.47 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average +10 pts over 3 years

In 2024, the debt ratio of GROUPE L.M. PRO-SANTE (46.47) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
51.28% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Good

In 2024, the financial autonomy of GROUPE L.M. PRO-SANTE (51.3%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
-28.93 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent -46 pts over 3 years

In 2024, the repayment capacity of GROUPE L.M. PRO-SANTE (-28.93) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 303.82. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

303.82

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

-117.143

Liquidity indicators evolution
GROUPE L.M. PRO-SANTE

Sector positioning

Liquidity ratio
303.82 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Good

In 2024, the liquidity ratio of GROUPE L.M. PRO-SANTE (303.82) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
-117.14x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.21x
Watch -50 pts over 3 years

In 2024, the interest coverage of GROUPE L.M. PRO-SANTE (-117.1x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 38 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 63 days. Favorable situation: supplier credit is longer than customer credit by 25 days. Overall, WCR represents 20 days of revenue, i.e. 23 k€ to permanently finance. Over 2013-2024, WCR increased by +266%, requiring additional financing.

Operating WCR (2024) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

23 358 €

Customer credit (2024) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

38 j

Supplier credit (2024) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

63 j

Inventory turnover (2024) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

20 j

WCR and payment terms evolution
GROUPE L.M. PRO-SANTE

Positioning of GROUPE L.M. PRO-SANTE in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of GROUPE L.M. PRO-SANTE is estimated at 248 332 € (range 69 645€ - 467 348€). The price/revenue ratio is 0.98x (in line with sector norms). This multiples method compares the actual sale price of similar companies to their financial indicators (Revenue, EBITDA, Net Income). It provides a market-based indicative estimate.

Estimated enterprise value 2024
193 transactions
69k€ 248k€ 467k€
248 332 € Range: 69 645€ - 467 348€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
417 845 € × 0.98x
Estimation 410 503 €
114 476€ - 763 464€
Net Income Multiple 20%
2 522 € × 2.0x
Estimation 5 076 €
2 401€ - 23 176€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 193 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Activités des agents et courtiers d'assurances)

Compare GROUPE L.M. PRO-SANTE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about GROUPE L.M. PRO-SANTE

What is the revenue of GROUPE L.M. PRO-SANTE ?

The revenue of GROUPE L.M. PRO-SANTE in 2024 is 418 k€.

Is GROUPE L.M. PRO-SANTE profitable?

Yes, GROUPE L.M. PRO-SANTE generated a net profit of 3 k€ in 2024.

Where is the headquarters of GROUPE L.M. PRO-SANTE ?

The headquarters of GROUPE L.M. PRO-SANTE is located in MONS-EN-BARŒUL (59370), in the department Nord.

Where to find the tax return of GROUPE L.M. PRO-SANTE ?

The tax return of GROUPE L.M. PRO-SANTE is available on this page. Click on a year in the 'Data by year' section to view the account details (assets, liabilities, income statement). Data comes from INPI (National Institute of Industrial Property).

In which sector does GROUPE L.M. PRO-SANTE operate?

GROUPE L.M. PRO-SANTE operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.